Overview
Iron Bridge Lending (based in Lake Oswego, OR, hard money) and Lima One Capital (based in Greenville, SC, hard money) are both non-QM lenders serving real estate investors. Iron Bridge Lending serves Western & Midwest; Lima One Capital serves National.
Lima One Capital's figures were checked against its published materials as of 2026-09-17; the other lender's figures below are not independently dated and should be confirmed directly. Rates and terms change and are not a quote for either lender.
Iron Bridge Lending vs Lima One Capital: attribute by attribute
| Attribute | Iron Bridge Lending | Lima One Capital |
|---|---|---|
| Interest rate range | 9.5%–12% | 7%–12% |
| Origination points | 1.5–3 points | 1–3 points |
| Minimum DSCR | Not publicly published | 1.00 |
| Max LTV | 75% | 80% |
| Max LTC | 85% | 92% |
| Minimum loan size | $75K | $75K |
| Maximum loan size | $3.0M | $2.5M |
| States covered | Not publicly published | 46 states |
| Typical close time | 7-14 days typical | 10-21 days typical |
| Founded | 2009 | 2010 |
| Headquarters | Lake Oswego, OR | Greenville, SC |
Which one fits which borrower
- Lima One Capital publishes a minimum DSCR of 1.00; Iron Bridge Lending does not publish a minimum DSCR figure, so its coverage floor cannot be compared directly.
- Lima One Capital's max LTV is 80% against Iron Bridge Lending's 75% — on the same purchase price, Lima One Capital's published leverage lets a borrower put down less cash.
- Lima One Capital's max LTC is 92% against Iron Bridge Lending's 85% — for a rehab-heavy deal, Lima One Capital's published figure covers a larger share of total project cost.
- Iron Bridge Lending's maximum loan size is $3.0M, above Lima One Capital's $2.5M ceiling — a larger transaction may need to go to Iron Bridge Lending.
- Lima One Capital publishes coverage in 46 states; Iron Bridge Lending does not publish a state count. That does not mean Iron Bridge Lending covers fewer states, only that the figure is not published.
- Iron Bridge Lending was founded in 2009, 1 year before Lima One Capital (founded 2010) — longer time in the market, not a claim about which underwrites better today.
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Iron Bridge Lending vs Lima One Capital FAQ
Iron Bridge Lending's published rate range is 9.5%–12%. Lima One Capital's published rate range is 7%–12%. Both ranges depend on credit, leverage, DSCR coverage and borrower experience, so where a specific deal prices inside either range varies.
Iron Bridge Lending does not publish a minimum DSCR. Lima One Capital's minimum DSCR is 1.00.
Iron Bridge Lending's loan size runs $75K to $3.0M. Lima One Capital's loan size runs $75K to $2.5M.
Iron Bridge Lending's typical close time is 7-14 days typical. Lima One Capital's typical close time is 10-21 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
Iron Bridge Lending's max LTV is 75% and max LTC is 85%. Lima One Capital's max LTV is 80% and max LTC is 92%.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with Iron Bridge Lending or Lima One Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by each lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.